Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Tuesday, August 11

Pbbbbbt.. It's Tuesday

 There are many things on my mind this morning. they have been tumbling through my head the last couple days, and the few hours I have been up already today. Nothing I want to share though - has to do with personal finances, etc. Things that need to get taken care of, but don't have the resources to get it all done at once. Still waiting to hear about "the job", so that isn't helping much either.

Went to a wedding this weekend. I friend I have known for about 29 years. We went to high school together. It wasn't her first wedding, but either way. It was a nice small event, that practiced social distancing, and prevention of spreading (masks were worn). Thank goodness it was indoors, since AZ is breaking records for consecutive days over 110 degrees. We didn't stay for the whole event, but did get through most of the celebration, and left when it was down to dancing prior to the send-off.

I went out for a bit with a best friend (that went to the wedding with us) Saturday night. This friend is not only an attorney, but my insurance guy as well. I just found out AZ supposedly increased the requirement for coverage when it comes to car insurance and mine is below that mark. Today we are supposed to meet up to see how much that will increase our payments. yeah... more financial worries.

The Youngest Son started online school yesterday. There was only a "half day" and things to work pretty well. Today is the first "full day" and he says he has all the needed links for classrooms etc. online. At this time, the schools say that this will be the normal thing until at least mid-October, where things will be re-evaluated in regards to students returning to physically going to school.

On a similar note, AZ passed guidelines for different places of business to once again re-open to the public, and requirements that must be met. They are doing it by county standards of positive rates, etc. Which means the 4 most populated counties (mine) are not able to open gyms, and many other public forums at this time. At the rate of the statistics, it doesn't look to be anytime soon. There's at least my excuse to not go to the gym....har de har har.

Need to make sure the Youngest is up and moving for classes.


PeacE

Tuesday, May 12

Let's See Who Wants My Money!!!!

Monday just gave me a splitting headache. In the last few days I have gotten news that I don't like, made life changes (no matter how temporary or not) I don't like, and have to live with it (which I don't like). Monday just turned the temperature up on that oven that my head is in....

I have been lazy. I don't know how else to describe it - and part of the reason I am so angry at myself because of this whole situation.... I left the last employer in early March, and I had not gotten around to getting the 401K out of the "employer" account, or the monies I have from the ESOP the company is in. I was able to get online account access and do some changes, but could never figure out a way to basically, set up a traditional IRA and move the funds to the new account. This on the advice from my financial consultant. Every time I went on and tried to figure out how to do this, I would end up getting a headache because I could not navigate through the financial language, or find the correct way and process to do the thing I want to do. With many companies closed the past few weeks, it's not like I can just go into any office and do this... especially if I don't know if they even have one locally.

Well, today I was determined to get this crap done. I had a stack of things I wanted to get done on my keyboard, so when I got up, I could get started on it all. Took the Wife's van up through emissions (passed). Next up.... 401K. Got on the website (again) took about a half hour of trying to get to where and what I needed with no luck (again) and clicked the "Contact Us" option. I got like three different numbers. One was for TDD, so I didn't even bother with that one.

First one was labeled 'Planning and Investment Services - Call a Representative' so I called this 866#, and was expecting the usual recorded 'this is the company you reached, press option # for what you need' kind of thing. Nope. The recorded message went something like this:

"You have a chance to win a $100 gift card for Wallyworld (you know who). Press 1 to answer the short survey and claim your prize. You have qualified for a $100 gift card, please press 1 to accept. . Press 1 to claim your prize." I thought this VERY strange, so I pressed "1" and ..... the clouds parted and God's abundance of people that speak in that damn India accent comes on telling me that I have won a  gift card and would I answer some questions. I interrupted the person (couldn't tell by voice if male/female) and asked, "Is this ?" 

"Oh thank you  and we will connect you quickly after conducting this brief-" I hung up. I compared the number I dialed to what was on the company website for Customer Service - same exact number. I'm thinking, what the heck?

Okay, errors can be made. Maybe the web designer mistyped/misread/was given it wrong.... whatever. Went on the the other number that was labeled 'Benefits Center - Toll-Free Number'. At this point, I am fully expecting to hear the company name again, etc. No. A recording comes on and says something like....

"Please enter your name on the dial pad, or key your social security number for access."

I hung up and dialed it again. Compared phone numbers. Same message. No way am I giving out my SS# to a recorded message, that didn't even say what company it was for, or any other info. My head is starting that low-thrub beat with my heart.... like when you were 12 and that girl in English class that you sorta crush on, actually asks you what book are you reading for your book report. Not quite a good R&B, but there's a beat started.

Okay, this is a pretty big investment firm, in my opinion, so there has got to be offices somewhere across the US. Maybe I can call LA or NY, or somewhere to get actual help for a person in AZ. What do you know. three offices in the Valley of the Sun.... one of which is only a 15 minute drive from home. Ohhhhh... I felt that low-throb beat take a stutter step. My breathing shortened. I felt the dawning of HOPE. I grabbed all the paperwork and bolted to the car. I did not speed on the way there, though was tempted.

Found the place easy enough. Easy access. Good signage. Including the ones on the doors saying CLOSED. I mean, I know the empty parking lot should have clued me in, but I had to make sure. Maybe they had posted something about when they would be open to public again since so many places are slowly doing that now. I don't know. I did not read all three different pages (the ones in English anyways). I skimmed and saw a local telephone number on the second one, took the phone out, snapshot, and drove back home.

Had to make a stop on the way home (for the Wife - she wanted/needed something to drink with some electrolytes, so I got some Powerades. By the time I got home (about a 45 min round trip) it was noon'ish. I brought the Wife her drink in bed, and sat down and was telling her what all I have had to go through this morning, plus all the other times (I had not mentioned to her the previous attempts at online stuff). She was peeved at the issue about the toll free numbers I called. That headache had turned back up, and I was not going to feed that bass... so I set the pile of paperwork aside, for Tuesday (read, later today). I'll wait until a respectable business hour, like 10am and try that local number. Edit: BTW, the Wife is feeling slightly better. Still a low-grade fever, small flu-like symptoms, but not coughing or having breathing issues. Orders are for bedrest as much as possible. She eats and drinks what she can (still not smelling well, though can barely smell orange now). The Boys and I are not showing any symptoms, though still have most of the 2-week incubation period to go through yet.

Why does it seem the weird crap like this always happens to my family or me? Sure seems that way sometimes. And should I note here.... My Wife was the first person I knew to get this crap? No other friends/family have gotten it that I am aware of....

PeacE

Wednesday, April 22

My Head Hurts

I spent the past couple of hours trying to figure out my retirement funds, etc. 'Nough said.

Seriously. Since leaving the last job, I need to move that 401K from the account it is in, and according to my financial advisor, put it into an IRA. Okay. I also have ownership (ESOP) in the company.... which is through a different financial company.... how do I move that into the new IRA and all that crap I am so confused now and my head hurts.

I'm going to call him later today and see if we can get together tomorrow and he can help straighten me out on what I need to do/who I need to call/How I tell them what I want and need.
I'm already dreading it. But it is my money dammit!

Other than that, nothing exciting going on. I may have to go lay down and nap because my brain is just feeling fried at this point.

PeacE

Wednesday, April 29

A Little Bad News with the Good ....

So much for my one day during the week to sleep in. Usually Wednesdays are the one day I don't have to get up earlier than usual to run the oldest Son to school. Today, that was still true, but the middle Son had an early dental check-up, and I got drafted into taking him.

Which brings us to the post title for today. As I was standing there whilst the Dentist did his quick look to be sure no cavities (the hygenist actually does the cleaning) he made an observation. I thought it was a bit odd, and obviously I have no dental/medical knowledge, but he said, "Yep. He has the Del bicuspid issue." I wasn't sure if I heard him correctly. Did he name some weird symptom/disease/problem, or comparing something to my Wife (Del is the short version of her name).

While I mentally fumbled for a moment, I realized what he meant. One of the bicuspids has started to grow out from the gum at an angle. In short, he is going to need braces. Another genetic default from both of us parents.... bad teeth. The oldest Son still needs to get his started, including a tooth to be removed before he can start the braces, and now this one as well. I will make the presumption that the youngest will need, as well, so I might as well just start sending the doctor that does the braces his annual vacation checks..... sigh.

Just when you think you are getting things financially settled ....

I seem to have lots of things that need to get done here in a very short time (not talking about dental issues now) but do not have the time to get it all done. Most of it is running around picking this up there, or that there. Many stores are not open prior to me heading into work, and definitely not when I get home from work. Guess that means Saturday will be a long day for me.

Enough of my whining for now....

PeacE